Cheapest Car Insurance In New Orleans, LA 2025
New Orleans residents can find the cheapest minimum coverage car insurance with State Farm, which costs about $76 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re on the hunt for the most inexpensive car insurance in New Orleans, LA, expect a broad range of choices.
If liability-only coverage is your priority, State Farm has the lowest rates. For full coverage, Allstate provides the best prices, and young drivers will find the most affordable plans with Louisiana Farm Bureau.
Cheapest Car Insurance Companies In New Orleans, LA 2025
Cheapest Full Coverage Insurance Rates In New Orleans: Allstate
New Orleans drivers can secure the cheapest full coverage insurance from Allstate, paying around $218 per month.
Below is a chart comparing the average auto insurance prices from affordable companies in New Orleans.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $218 | $2,616 |
| GEICO | $221 | $2,652 |
| Progressive | $258 | $3,096 |
| Allstate | $216 | $2,592 |
| Safeco | $335 | $4,020 |
Cheapest Liability-only Car Insurance In New Orleans: State Farm
State Farm leads as the most cost-effective insurer for minimum coverage in New Orleans, with an average monthly premium of $76.
Use the chart below to evaluate and compare insurance rates from different companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $76 | $912 |
| GEICO | $125 | $1,500 |
| National General | $120 | $1,440 |
| Allstate | $124 | $1,488 |
| Progressive | $148 | $1,776 |
Cheapest Rates In New Orleans For Teenagers: State Farm
For New Orleans teens, State Farm offers the cheapest car insurance, with an average monthly premium of $260.
Review the table below to see which companies offer the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $260 | $3,120 |
| GEICO | $399 | $4,788 |
| Allstate | $440 | $5,280 |
| Liberty Mutual | $643 | $7,716 |
| Progressive | $505 | $6,060 |
Cheapest Car Insurance Rates For Seniors: State Farm
New Orleans seniors can secure the lowest car insurance rates with State Farm, paying an average of $101 a month.
The table below outlines the most affordable auto insurance options for seniors, based on average quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $101 | $1,212 |
| National General | $172 | $2,064 |
| Direct Auto | $186 | $2,232 |
| Allstate | $168 | $2,016 |
| Clearcover | $270 | $3,240 |
Cheapest Car Insurance In New Orleans For Good Drivers: State Farm
At just $76 per month, State Farm provides the best-priced car insurance for good drivers in New Orleans.
For good drivers, the table below compares average quotes from the most cost-effective insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $76 | $912 |
| GEICO | $125 | $1,500 |
| National General | $120 | $1,440 |
| Allstate | $124 | $1,488 |
| Progressive | $148 | $1,776 |
Cheapest Auto Insurance For Young Adults in New Orleans: Louisiana Farm Bureau
With an average premium of $150 per month, Louisiana Farm Bureau offers the cheapest rates for young adults in New Orleans.
Use the table below to see the lowest auto insurance quotes available for young adults in New Orleans.
| Provider | Average Monthly Cost | Average Annual Cost |
| Louisiana Farm Bureau | $150 | $1,800 |
| Progressive | $233 | $2,796 |
| GEICO | $169 | $2,028 |
| State Farm | $235 | $2,820 |
Find affordable New Orleans rates
Cheapest For Drivers With After At-Fault Accident: Louisiana Farm Bureau
Drivers with an at-fault incident can get the cheapest insurance quotes from Louisiana Farm Bureau, with average monthly rates of $170.
These are the car insurance companies offering the most affordable rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Louisiana Farm Bureau | $170 | $2,040 |
| Progressive | $504 | $6,048 |
| GEICO | $430 | $5,160 |
| AAA | $526 | $6,312 |
| State Farm | $332 | $3,984 |
Cheapest Car Insurance In New Orleans After A Speeding Ticket: Louisiana Farm Bureau
Drivers in New Orleans with a speeding ticket can get the most affordable car insurance from Louisiana Farm Bureau, at an average of $157 per month.
The following table outlines the average car insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Louisiana Farm Bureau | $157 | $1,884 |
| GEICO | $336 | $4,032 |
| State Farm | $308 | $3,696 |
| Progressive | $364 | $4,368 |
| AAA | $468 | $5,616 |
Cheapest Rates In New Orleans For Drivers After A DUI: Louisiana Farm Bureau
With an average monthly cost of $180, Louisiana Farm Bureau has the most affordable car insurance for New Orleans drivers after a DUI.
The following table lists the most affordable car insurance options for New Orleans drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Louisiana Farm Bureau | $180 | $2,160 |
| Progressive | $420 | $5,040 |
| GEICO | $586 | $7,032 |
| AAA | $480 | $5,760 |
| State Farm | $307 | $3,684 |
Average Auto Insurance Rates In New Orleans – By Age
One of the major factors affecting car insurance premiums is age. Younger drivers usually pay more because of their inexperience and greater likelihood of getting into accidents or receiving traffic tickets. Teenagers generally pay about $10,806 per year.
When drivers hit the age of 25, their car insurance rates tend to lower, assuming they have no violations on their record.
The most favorable insurance rates are often given to drivers in their 50s and early 60s, since insurers use age to assess experience and risk, affecting the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $10,806 |
| 20s | $5,415 |
| 30s | $3,781 |
| 40s | $3,457 |
| 50s | $3,211 |
| 60s | $3,156 |
| 70s | $3,338 |
Best Car Insurance Companies In New Orleans
New Orleans drivers can find affordable coverage with State Farm for just $76 a month, or consider National General for $120 a month and Allstate at $124 a month.
Here are the top 10 car insurers in New Orleans, LA, ordered by the average monthly rate they offer.
| Company | Monthly Premium |
| State Farm | $76 |
| GEICO | $125 |
| National General | $120 |
| Allstate | $124 |
| Progressive | $148 |
| Direct Auto | $136 |
| Root | $140 |
| Clearcover | $198 |
| Liberty Mutual | $227 |
| Safeco | $295 |
Average Cost Of Auto Insurance In New Orleans – By Zip Code
Zip codes play a role in determining car insurance rates, as insurers evaluate crime rates in specific areas.
Use the table below to compare average car insurance premiums for different zip codes in New Orleans.
| Zip Code | Average Monthly Rate |
| 70112 | $386 |
| 70128 | $400 |
| 70125 | $350 |
| 70114 | $296 |
| 70121 | $258 |
Average Rates In New Orleans – By Vehicle
The kind of vehicle you drive plays an important role in setting your car insurance rates. Insurers consider aspects like the car’s make, model, year, and body style. Newer, more luxurious cars with high-tech features and costly replacement parts usually come with higher premiums.
Use the table below to compare average insurance rates for various vehicles in New Orleans.
| Vehicle | Average Monthly Rate |
| Chevrolet Silverado | $215 |
| NISSAN ROGUE SELECT S | $204 |
| Chevrolet Tahoe | $202 |
| Toyota Corolla | $570 |
| Nissan Altima | $420 |
How Much Is Car Insurance In Other Cities in Louisiana?
Car insurance rates are heavily influenced by the city you reside in. Insurers take into account factors like accident risks, theft, and vandalism, all of which tend to be more frequent in cities, leading to higher premiums.
For example, in Gretna, the average car insurance premium is about $360 per month, while in Lafayette, drivers pay around $235 per month.
| City | Average Monthly Rate |
| Alexandria | $288 |
| Baton Rouge | $308 |
| Bossier City | $221 |
| Metairie | $315 |
| Monroe | $260 |
| Lafayette | $235 |
| Shreveport | $248 |
| Hammond | $270 |
| Houma | $239 |
| Gretna | $360 |
Find affordable New Orleans rates
Our Methodology
By considering customer service, available products, pricing, and insights from multiple online review sites and user experiences, I’ve developed a thorough perspective on car insurance options in New Orleans, LA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in New Orleans?
For minimum coverage in New Orleans, State Farm has the lowest rates, while Allstate leads the way for full coverage, including both comprehensive and collision protection.
What is the average cost of car insurance in New Orleans?
On average, car insurance in New Orleans costs about $330 per month, but expect the price to vary based on your zip code, car make and model, and driving history.
